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Financial literacy is important at any age, but the sooner it is introduced into our lives, the better. Today's economy makes it difficult for high school and college students to be financially successful - so being educated early on is vital. WSECU's Suzanne Klenk wears many hats, including financial literacy instructor. In this New Day Northwest clip, she offers suggestions for getting a head start on savings and discusses The Vault, WSECU's financial literacy curriculum.  

Where it begins
Learning about financial matters and saving money begins in earnest at the middle school and high school level-it's at this stage that the big decisions begin about the future; e.g., going to college or a tech school. 

In the U.S., consumers are currently spending everything they have and not putting any money aside for the future. By developing good habits during the teen years, saving money will become second nature, leaving you far better prepared for your future and retirement. 

Saving: an exercise in character and discipline
Your savings habits mirror how you feel about yourself - it shows if you're willing to take care of yourself and make sure you're well taken care of, it sets you up better for the future.

Start saving now - here's the incentive!
Do you know what will happen if as a teenager, you begin saving just 10 cents for every dollar you receive in earnings and gifts? By the time you're in your mid-40s, you'll be well on your way to being a millionaire when you retire.  

The Vault
This financial literacy curriculum covers several topics, including budgeting, saving, investing and money management. It's a free offering that we make available to our members and anyone who is interested.  

Where to find The Vault curriculum
Click here to view and download the curriculum, which consists of a teacher workbook and student workbook. We are currently updating our webpage on The Vault, but you are welcome to view what is currently available: 

  • Request Suzanne or another of our instructors to teach a class
  • Request a CD of the curriculum
  • Preview lesson samples

In the future, you will be able to download the curriculum, view webinars with tips on teaching the curriculum and PowerPoint teacher's aides for each chapter.

Don't become a statistic
In 2012-and it is also estimated to happen in 2013-more students will drop out of college due to personal debt rather than academic issues. Saving money is power, so empower yourself! Every little bit will make a big difference in your future.

Have a financial question for Suzanne?
If you have a financial question you would like to ask Suzanne, please feel free to send her an e-mail.

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